Real estate appraisal services for homeowners in the city of Saint Joseph and Champaign County

The top reasons IL homeowners order from Price, Merrick & Assoc. LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Champaign county's assessment of your propertyvalue
  3. To lower a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a IL divorce, when real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Own a home in or near Saint Joseph, IL and need help determining the value of it?
Contact Price, Merrick & Assoc. LLC.

We at Price, Merrick & Assoc. LLC understand the unique needs of a homeowner seeking appraisal services. Our usual business clients understand the appraisal process and the customary documents we provide. As our client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Price, Merrick & Assoc. LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to cancel PMI?

A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Price, Merrick & Assoc. LLC is experts in helping people just like you do away with unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down or not appreciating as much as other properties close to yours. This means you are probably paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Price, Merrick & Assoc. LLC is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be inopportune from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Price, Merrick & Assoc. LLC can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for precision? Price, Merrick & Assoc. LLC offers field reviews where we go out and check the subject and comparables in question. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.